Use the planner tool below to help determine your payroll run date or pay date based on your ACH timing and banking days. This planner counts full banking days. Weekends and Federal Reserve banking holidays are excluded.
Cutoff is always 8:00 pm ET. We show the matching local time for your selected zone.
- Run → Pay: assumes approval by your local cutoff on the selected run date.
- Pay → Run-by: shows the last day to approve by your local cutoff to hit the chosen pay date.
Important notes
| This planner counts full banking days. Weekends and Federal Reserve banking holidays are excluded. |
| The deadline to process payroll with direct deposit is 8:00 p.m. ET. Customers should not wait until the last minute. |
| For standard 4-day ACH, the pay date must be at least four banking days after the payroll run date. |
| 2-day ACH is only available for established, well-qualified customers upon request. |
| Customers who miss the standard ACH deadline may be able to use a bank wire or RTP instant payment by 3:00 p.m. ET the day before payday. |